The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$81,085
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$83,607
−HK$2,563/mo
Today · 4.125%
HK$86,170
baseline
▲ 0.50% · 4.625%
HK$91,413
+HK$5,243/mo
Deposit HK$17.78M · loan HK$17.78M · min. income ≈ HK$172,340/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,511,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,206
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$92,626
−HK$2,454/mo
Today · 4.125%
HK$95,080
baseline
▲ 0.50% · 4.625%
HK$100,092
+HK$5,012/mo
Deposit HK$17.78M · loan HK$17.78M · min. income ≈ HK$190,160/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,511,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,302
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$100,329
−HK$3,075/mo
Today · 4.125%
HK$103,404
baseline
▲ 0.50% · 4.625%
HK$109,696
+HK$6,292/mo
Deposit HK$14.22M · loan HK$21.34M · min. income ≈ HK$206,808/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,511,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,248
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$111,151
−HK$2,945/mo
Today · 4.125%
HK$114,096
baseline
▲ 0.50% · 4.625%
HK$120,110
+HK$6,014/mo
Deposit HK$14.22M · loan HK$21.34M · min. income ≈ HK$228,192/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,511,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,519
−HK$7,119/mo
▼ 0.25% · 3.875%
HK$117,050
−HK$3,588/mo
Today · 4.125%
HK$120,638
baseline
▲ 0.50% · 4.625%
HK$127,979
+HK$7,341/mo
Deposit HK$10.67M · loan HK$24.89M · min. income ≈ HK$241,276/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,511,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,289
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$129,676
−HK$3,436/mo
Today · 4.125%
HK$133,112
baseline
▲ 0.50% · 4.625%
HK$140,129
+HK$7,017/mo
Deposit HK$10.67M · loan HK$24.89M · min. income ≈ HK$266,224/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,511,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,953
−HK$9,153/mo
▼ 0.25% · 3.875%
HK$150,493
−HK$4,613/mo
Today · 4.125%
HK$155,106
baseline
▲ 0.50% · 4.625%
HK$164,544
+HK$9,438/mo
Deposit HK$3.56M · loan HK$32.00M · min. income ≈ HK$310,212/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,511,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,372
−HK$8,772/mo
▼ 0.25% · 3.875%
HK$166,726
−HK$4,418/mo
Today · 4.125%
HK$171,144
baseline
▲ 0.50% · 4.625%
HK$180,165
+HK$9,021/mo
Deposit HK$3.56M · loan HK$32.00M · min. income ≈ HK$342,288/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,511,287 · Scale 2, in force from 26 Feb 2026)